Disability Coverage
Short-Term Disability Insurance
As an XPO employee, you receive Short-Term Disability (STD) Insurance at no cost to you. You have the option to buy additional STD Insurance to provide financial protection in the event you are not able to work due to an extended illness or injury.
For more information, visit myXPO and view My Benefits.
Long-Term Disability Insurance
Long-Term Disability (LTD) Insurance provides financial protection if you are not able to work due to an extended illness or injury. XPO provides Basic LTD Insurance at no cost to you. Basic LTD replaces 50% of your eligible annual pay for a coverage period of up to three years.
You are automatically enrolled in Supplemental LTD coverage, which provides 60% income replacement (up to plan limits) and extends the coverage period to at least age 65. You can opt out of this coverage during your enrollment window.
For more information, visit myXPO and view My Benefits.
Automatic LTD Buy-up Coverage
XPO believes in the value of Long-Term Disability (LTD) insurance. We’ve teamed up with our LTD insurance carrier to give you an easy and tax-effective way to increase your income protection coverage. On January 1, 2022, all XPO employees were automatically enrolled in LTD Buy-up coverage. Your coverage will continue automatically in 2023. However, you can opt out of this employee-paid option during Open Enrollment, but please consider how important this valuable coverage is to you and your family before making a decision.
Cost of Coverage
Basic Life Insurance and Disability coverage is provided at no cost to you. For more information about cost, visit myXPO and view My Benefits.
Contacts
Matrix
Provider for Short-Term and Long-Term Disability, Leave of Absence
